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    Can I Afford it.

    Hey,

    I wrote in my blog that I was going to be on Suze show can I afford it and you'll want me to post my buget so that you'll can tell me first so here it goes. I would like to buy an Garmin Nuvi 200W GPS which flex in price 169 on up. Ok Everything is factual but there are some thing in the midst of being change like my Life Insurance. I changed policies so I'm in the midst of canceling my dd and myself life Insurance policy with the other company but is keeping my husband on there. the company just went up on us. $61. So I'm waiting for confirmation from the to know what the money bill will be. All so dining out depends on the month. I don't eat out every month. Last month I Went to the melting pot so that was $30. My Electricity some months are highter than that. Last month is was 178.00. Is my after tax funds my roth and roth 401k?




    EXPENSE ACCOUNT FOR Kenya

    ITEM MONTHLY ONLY PUT MONTHLY
    PAYMENT DOLLAR AMOUNTS
    HOME UNDER MONTHLY
    PAYMENT COLUMN
    Rent $325.00
    Mortgage $0.00 IF YOU PAY A BILL YEARLY
    HELOC or HEL $0.00 DIVIDE BY 12 FOR MONTHLY
    Additional Loans $0.00 AMOUNT
    Maintenance Fee $0.00
    HOA Fee $0.00 DON'T INCLUDE ITEMS
    Property Tax AUTOMATICALLY TAKEN
    Home Insurance $0.00 FROM PAYCHECK
    (I.e. insurance/401(k)
    Telephone $0.00 pension etc.
    Cell Phone $50.00
    Internet $35.23
    Cable $0.00
    Electricity $100.00
    Heating Oil $0.00
    Coal $0.00
    Water $0.00
    Garden $0.00
    Firewood $0.00
    Repairs $0.00
    Lawn Care $0.00
    Snow Care $0.00
    Alarm System $0.00
    Firewood $0.00
    Pool/Hot Tub $0.00

    TOTAL MONTHLY HOUSE $510.23

    CAR MONTHLY
    PAYMENT
    Monthly Car 1 Payment $0.00
    Monthly Car 2 Payment $0.00
    Monthly Car 3 Payment $0.00
    Monthly Car 4 Payment $0.00
    Gas for ALL cars $80.00
    Car Maintenance $0.00
    Parking Lots $0.00
    Car Tolls $0.00
    Car EZ PASS $0.00
    Car Parking Tickets $0.00
    Car Sat Radio $0.00
    Emergency Road Service $0.00

    TOTAL CAR EXP $80.00

    MONTHLY MONTHLY
    INSURANCE PAYMENT

    Health Insurance $0.00 DON'T INCLUDE ITEMS
    Life Insurance $17.28 AUTOMATICALLY TAKEN
    Disability Insurance $0.00 FROM PAYCHECK
    Long Term Care Ins $0.00 (I.e. insurance/401(k)/pension
    Dental Insurance $0.00
    Car Insurance $0.00

    TOTAL MONTHLY $17.28
    INSURANCE

    MONTHLY MISC

    Food $100.00
    Eating out $30.00
    Pet Food $0.00
    Video Rentals $14.69
    Movies $0.00
    Sports games $0.00
    Computer $0.00
    Costco $50.00
    Membership Dues
    Hair $30.00
    Makeup $0.00
    Clothes $0.00
    Massage $0.00
    Manicure $0.00
    Gifts $0.00
    Vacations $0.00
    Donations $0.00
    Books $0.00
    Magazines $0.00
    Newspaper $0.00
    Vet Bills $0.00
    Health Club $0.00
    Dentist $0.00
    Eye Doctor $0.00
    Medication $0.00
    Toiletries $0.00
    Jewelry $0.00
    Child Care $0.00
    Misc


    TOTAL MONTHLY MISC $269.69

    MONTHLY DEBT PAYMENTS

    Credit Cards $405.00 ENTER YOUR MONTHLY PAYMENTS
    401k Loan $0.00 DO NOT PUT IN
    Student Loans $0.00 THE BALANCE OF WHAT YOU OWE
    Personal Loan $0.00
    Bank Loan $0.00


    TOTAL MONTHLY DEBT PAYMENTS 405.00


    MONTHLY SAVINGS/TAX PAYMENTS


    Emergency Fund $1,638.58
    Educational Accounts $0.00
    After-Tax Retirement funds
    Other

    TOTAL MONTHLY SAVINGS/TAX $1,638.58


    TOTAL MONTHLY $2,920.78
    EXPENSES






    MONTHLY INCOME MONTHLY
    INCOME

    AFTER-TAX INCOME $0.00
    AFTER-TAX INCOME $0.00
    ALIMONY $0.00
    UNEMPLOYMENT CK $0.00
    SOCIAL SEC $0.00
    DIVIDENDS INCOME $0.00
    PENSION INCOME $0.00
    IRA INCOME $0.00


    TOTAL MONTHLY INCOME $0.00




    EXCESS OR DEFICIT -$2,920.78

    #2
    Originally posted by fruitbowlk View Post
    Last month I Went to the melting pot so that was $30.
    My big question is how in the hell did you only spend $30 at the Melting Pot? I have never, ever dropped less than a a bill and a half in that place.

    Comment


      #3
      Originally posted by boosami View Post
      My big question is how in the hell did you only spend $30 at the Melting Pot? I have never, ever dropped less than a a bill and a half in that place.

      LOL we go for ladies night which is $25 pp

      Comment


        #4
        That makes sense... I am not a lady

        Comment


          #5
          Originally posted by boosami View Post
          My big question is how in the hell did you only spend $30 at the Melting Pot? I have never, ever dropped less than a a bill and a half in that place.
          I had that same question!

          I am not a number cruncher myself but the short peek at yours says ...No?

          It looks like your debt is just the CC which is 405 a month? but the real question I have is how long will it take you to pay off?

          if that is 405 this month and then done, buy the GPS next month, if it is 405 a month in month one of a 5 year aggressive plan to pay off the CC, no GPS.

          I might be totally not understanding your numbers though. After all I hope the total income of 0 is wrong.....that and if you really put 1500 into savings each month... I would pay off the CC first. (ok one month save 1500, next month pay it to CC)

          I am guessing you have 1500 in a EF though?

          Comment


            #6
            Originally posted by PrincessPerky View Post
            I had that same question!

            I am not a number cruncher myself but the short peek at yours says ...No?

            It looks like your debt is just the CC which is 405 a month? but the real question I have is how long will it take you to pay off?

            I'm pay 270 extra on my cc debt so that I can pay it off by June 2009 and that only if I don't increase it.


            if that is 405 this month and then done, buy the GPS next month, if it is 405 a month in month one of a 5 year aggressive plan to pay off the CC, no GPS.

            I might be totally not understanding your numbers though. After all I hope the total income of 0 is wrong.....that and if you really put 1500 into savings each month... I would pay off the CC first. (ok one month save 1500, next month pay it to CC)

            I didn't see this my monthly income would be $1800

            I am guessing you have 1500 in a EF though?
            I have 1638.58 in my EF as of today but next week that will change to 2188.

            Comment


              #7
              Originally posted by boosami View Post
              That makes sense... I am not a lady
              They also have Guy's night. Couples night etc. Check there website monthly.

              Comment


                #8
                Where is your blog? And what are you going to ask?
                LivingAlmostLarge Blog

                Comment


                  #9
                  Your first post is really confusing. What are all of those things? Can you just list your actual income, actual savings and actual expenses? Your first post looks like it has a whole slew of things that don't actually apply to you. You didn't list your income which makes it impossible to evaluate anything else. And give the balance on the credit card - not the monthly payment.

                  I can tell you right now that if you have credit card debt, Suze will say NO to a luxury purchase.
                  Steve

                  * Despite the high cost of living, it remains very popular.
                  * Why should I pay for my daughter's education when she already knows everything?
                  * There are no shortcuts to anywhere worth going.

                  Comment


                    #10
                    Originally posted by disneysteve View Post
                    Your first post is really confusing. What are all of those things? Can you just list your actual income, actual savings and actual expenses? Your first post looks like it has a whole slew of things that don't actually apply to you. You didn't list your income which makes it impossible to evaluate anything else. And give the balance on the credit card - not the monthly payment.

                    I can tell you right now that if you have credit card debt, Suze will say NO to a luxury purchase.
                    35,000 -yearly
                    33,622.52-Retirement
                    2188-EF
                    3,518-Debt
                    700.00-expenses-This changes monthly.
                    $3,518.96 -CC debt

                    I also agree that I'm going to be denied. But it will be fun to talk to suze.
                    Last edited by fruitbowlk; 09-26-2008, 01:15 PM. Reason: spelling adjustment.

                    Comment


                      #11
                      Originally posted by fruitbowlk View Post
                      35,000 -yearly
                      33,622.52-Retirement
                      2188-EF
                      3,518-Debt
                      700.00-expenses-This changes monthly.
                      $3,518.96 -CC debt

                      I also agree that I'm going to be denied. But it will be fun to tak to suze.
                      Yep. She'll deny you because of the CC debt. We often wonder when watching the show if people calling in actually think they can afford the item or if they are just calling to be on TV. I guess many do just call for the fun of it. They already know what the answer will be.
                      Steve

                      * Despite the high cost of living, it remains very popular.
                      * Why should I pay for my daughter's education when she already knows everything?
                      * There are no shortcuts to anywhere worth going.

                      Comment


                        #12
                        What are you asking for? I'm dying to know? And when will you be on to watch! Cool!
                        LivingAlmostLarge Blog

                        Comment


                          #13
                          Originally posted by LivingAlmostLarge View Post
                          What are you asking for? I'm dying to know? And when will you be on to watch! Cool!
                          See the first post:
                          I would like to buy an Garmin Nuvi 200W GPS
                          Let us know when you will be on.
                          Steve

                          * Despite the high cost of living, it remains very popular.
                          * Why should I pay for my daughter's education when she already knows everything?
                          * There are no shortcuts to anywhere worth going.

                          Comment


                            #14
                            Originally posted by LivingAlmostLarge View Post
                            What are you asking for? I'm dying to know? And when will you be on to watch! Cool!
                            Not sure when they are going to air it but the call will be made on Oct 15th.

                            Comment


                              #15
                              Denied
                              Got debt?
                              www.mo-moneyman.com

                              Comment

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